Fees added without my knowledge

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Nadja

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Post by Nadja » Mon Jan 25, 2021 1:05 pm
Hi Foggy, I hope you’re ok and had a good weekend! Since I was last in touch I’ve still not got any further with Jarvis Insolvency. I just keep asking for the outstanding balance/a statement. I’ve sent emails, left voicemails and even tried contacting the place it was with prior to them taking over (Aperture) but still getting nowhere.
The only response I’ve had is a copy of the proposal pack and chairman’s report that was from 2018 when it was with SwiftDebtHelp. I’ve tried contacting them but even though I ask “is that swift debt help” and they say yes... when I ask about the IVA, they then say “swift has now been dissolved “ Have you got any advice? I’m literally getting nowhere despite numerous calls/emails and it’s urgent that I get the balance and get it sorted ASAP!!
Thanks so much!

Foggy

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Post by Foggy » Mon Jan 25, 2021 2:31 pm
Hi Nadja. A chilly weekend, but good for these times :-)

My earlier reply about a full and final offer still applies:

"So .. assuming it was a standard 60 month arrangement, you have around 32 months left at £124. So they are expecting a further £3968 from you.
You said your debts were £7440 ? This is exactly your IVA payments -- rather unusual to work out like that. Did you mean that figure of £7440 were the agreed payments, or actually the original debt to creditors ?
Anyway --- I don't see a way around the fees .... you could offer a full and final of £3000 or £3500 and hope creditors accept that."


All IPs seem very unwilling to give statements as these things change daily, especially if statutory interest is involved. As I said the simplest way to close early would be the full and final offer route, based on the £3968 still to be paid in monthly installments. You decide how much you wish to offer (usually the higher the offer better chances of success). You do not need a balance or statement. The IP then asks creditors if they will accept that amount to close the IVA early. The money will have to be paid (if the offer is accepted) direct from your family member and the IP will want to see evidence that the money is available as well as proof of I.D of the person sending it.

Swift will not deal with any of it as the arrangement has been passed to Jarvis. You are not likely to get a fast response as many offices are short staffed due to Covid-19. If they do not reply in a reasonable time frame ( and we are talking 2 or 3 weeks) then you can lodge a formal complaint.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Nadja

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Post by Nadja » Mon Jan 25, 2021 2:39 pm
How the hell do you know all this!! I bet you’re good at DIY and technology too! I’m so useless with stuff like this (and most things!) 🤷🏻‍♀️🤷🏻‍♀️
The amount it said I owed in total was £7682 but it was agreed at £124 for 60 months. (It’s now over 68 months in total due to some payment holidays that I took)
When I last asked they said it was “about £4900 and something??” So I’ve since tried to get in touch to do the full and final offer like you suggested.. but no responses to calls/messages.
I’m trying to move into a new rental property at the moment and as soon as an IVA is mentioned the conversation changes! So frustrating!!

Foggy

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Post by Foggy » Mon Jan 25, 2021 2:46 pm
I have been in an IVA myself and have spent 10 years on here, helping out ( sad I know) ! You do not want to see my attempts at DIY !!

Some of us still in an IVA have managed to rent by trying private landlords, rather than going through agencies, or asking if they would accept a guarantor or rent in advance / higher deposit.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Nadja

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Post by Nadja » Mon Jan 25, 2021 3:12 pm
Haha I now want to see your DIY attempts. So good of you to still be on here offering advice, that’s really kind. I’ve had more info from you than anybody else including all the IVA companies I’m trying to get answers from!
It even says on my proposal pack thing that I spend £50 a month on tobacco (I don’t smoke) and I spend on pet care/dog food (I don’t have pets!)
Really wish I had never started it all and had just carried on with a DMP for another 9863370050 months!! 😂😂🤷🏻‍♀️ I’m just waiting on Jarvis now to get back to me (but I won’t hold my breath!!)

Foggy

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Post by Foggy » Mon Jan 25, 2021 3:22 pm
To be fair, a DMP for that amount of debt would not have been too much longer and, through Stepchange, fee-free. But, what is done is done and we can't change that --- it seems a good thing that Swift no longer do IVAs !
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Nadja

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Post by Nadja » Mon Jan 25, 2021 3:30 pm
You’re so right!! Aperture were really helpful but Swift and Jarvis have been awful to deal with. I will keep trying to get a balance from them and offer to clear it... if they ever reply!! Thanks again so much for all your help and advice 🙏🏼🙏🏼

WallE

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Post by WallE » Mon Jan 25, 2021 7:53 pm
What Jarvis email address are you using? Try clientservices@jarvisiva.co.uk and make sure your reference is in the subject line.
I work for one of the UK's biggest Insolvency Practitioners. All posts I make are my own thoughts and/or opinion and are not the views of my employer. None of my posts constitute legal advice and should not be taken as such.

Nadja

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Post by Nadja » Mon Jan 25, 2021 8:54 pm
Hi WallE, that’s the one I’ve been using. I try to get through by phone each day too! All I want is the amount outstanding but I can’t get anywhere with them!

Foggy

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Post by Foggy » Mon Jan 25, 2021 8:58 pm
Mon Jan 25, 2021 8:54 pmNadja wrote:
Hi WallE, that’s the one I’ve been using. I try to get through by phone each day too! All I want is the amount outstanding but I can’t get anywhere with them!
As I say, Nadja, do not overburden yourself with amounts outstanding ----- offer the remaining payments, or maybe a little less, as a full and final offer.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Nadja

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Joined: Tue Jan 19, 2021 5:22 pm

Post by Nadja » Mon Jan 25, 2021 9:02 pm
Hi Foggy, I will do as soon as I can get in contact with them. I will try again first thing in the morning and hope somebody answers! It says “your call is important to us please hold” for 15 minutes then cuts you off!! Arrghhhhhhhhhh 🤷🏻‍♀️🤷🏻‍♀️🤷🏻‍♀️

Foggy

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Post by Foggy » Mon Jan 25, 2021 9:06 pm
I am finding this an increasing problem --- possibly down to covid again ! Last week I needed to get hold of our local Royal Mail sorting office ( I had found a large bunch of keeys to open local post boxes and needed to return them ) ---- I tried every number I could get hold of and kept timing out on all calls --- eventually I ended up contacting them through Facebook, on the local town page !

Best of luck.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Nadja

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Joined: Tue Jan 19, 2021 5:22 pm

Post by Nadja » Mon Jan 25, 2021 9:15 pm
Thanks Foggy, I’m like a menopausal dog with a bone!! I will just keep trying! They’re all working from home so I need to be more patient.. but 3 weeks and still waiting for a reply to my email is a joke! They’re useless! I’m currently working from home and if I didn’t get back to my customers when they emailed/phoned I would get my ass kicked!!

kallis3

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Post by kallis3 » Mon Jan 25, 2021 9:16 pm
I'm having the same problem with E.on at the moment - long complaint and I cannot email or call them (too long a wait) and even FB are no use.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Foggy

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Post by Foggy » Mon Jan 25, 2021 9:18 pm
"a menopausal dog with a bone" .... I dread to think ! :shock:
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk
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